CAR LOAN
With the easy availability of finance and rising income levels, the customer's are inclining towards purchasing four wheeler.

DOCUMENTS REQUIRED
1. Identity proof.
2. Residence proof
3. Income proof
4. Six months updated bank statement
*Any other documents will be required subject to the profile of the customer.

CAR BUYING TIPS
1. Take shorter tenure of the loan.
2. Go for big ticket size down payment.
3. Calculate processing fee and other charges.
4. Choose the only affordable car, not the luxurious one.
5. Know the difference between on road and off road price.
6. Delivery time of car at the dealership should be checked.

For Gujarat & Maharashtra: You can get Car Loan while sitting at home with CapitaWorld. Call us at 95120-15768 or
visit website capitaworld (dot) com

Today people are conscious about luxury cars. So in order to meet the expense people go for various loan schemes.But getting a car loan in India is not a difficult task. If you have enough documents then you can avail the loan easily. There are many private as well as public banks offering different car loan schemes in India.

Before going to a bank you have to consider few things.

1.The car model

2.The down payment

3.The loan amount you want

4.Then your repayment capacity

Once you clear all these points you can approach the bank. Then they will check your credit history and further details. Keep all your documents and submit it when the bank asks. I applied for a car loan from South Indian Bank and I got it approved in a short period.

Getting the car loan earlier was a challenging task. Enough money is required to buy a new car so it’s not that easy to arrange such large amount. Bank and NBFCs offer car loan to avail a car.Here’s the necessary tips to follow before applying for a car loan. Required Things to be a car loan applicant is as follows:

Required documents for a car loan

Proper documentation is the first step towards availing any loan. List of required documents for a car loan includes:

• Car Documents for which you are applying

• Identity Proof

• Age Proof

• Proof of Address

• Passport size Photographs

• Income proof such as last 3 month salary slip

• Last 6 month bank account statement

• Latest income-tax return

There are lenders who can ask for some additional documents so be prepared with all your important documents before applying for car loan. Apart from abovementioned documents, some lenders may ask for the driving license of the borrower and car insurance copy.

Below is the process to acquire a car loan:
First you need to check your eligibility for the amount you need.

There are various websites who check you can check your eleigibility for loan based on your income and expenses.

Then you can make a survey of banks which provide car loans with low interest rates to save your money. Interest rates for car loans is somewhere between 10 to 15%.

Once you are done with this, you need to fill the loan application form attached with a set of documents as desired by the bank or finance company.

The process is followed by the bank to verify all documents and also have a background check. The bank will verify all details at your side, with regards to your salary, company, and residence proofs.

Once all this is done, the bank mentions the loan amount sanctioned to you along with the EMI’s and tenure of loan.
The Tenure for car loan is not too long as Home loans. The loan tenure is around 4-5 years max as per your eligibility to repay the loan.

Once you finalize on the EMI and tenure you are provided with the sanction letter and your loan is approved.

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As long as you have sufficient documents to back up your financial ability repay the loan, there should not be a problem in getting one. Now once your sure of buying your car and want to start your loan application process, there are two ways you can go about it.